Home Loan for Salaried
PopularBuy a ready or under-construction home with funding up to 90% of the property value and a tenure up to 30 years.
- Indicative rate
- 6.9% p.a.
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12 categories and 24 products, arranged through a panel of banks and NBFCs. Pick the one that fits, or call us and we will tell you which one does.
A home loan is the cheapest long-term money most families will ever borrow, because your house itself is the security. Lenders fund up to 90% of the property value on smaller ticket sizes, and the tenure can stretch to 30 years to keep the EMI manageable. We help you pick a lender that is comfortable with your income type and with the builder or the property papers you have.
Home Loan
Buy a ready or under-construction home with funding up to 90% of the property value and a tenure up to 30 years.
A home loan judged on your business income, your ITR and your banking, not on a salary slip.
A loan against property, often called LAP, lets you borrow against a house, shop or plot you already own, without selling it. Because it is secured, the rate is far lower than a personal loan and the tenure is far longer. Lenders normally fund 50% to 70% of the market value. The money can be used for a business, a wedding, education or to consolidate costlier debt.
Loan Against Property
Borrow against a house or flat you own, at a rate far below a personal loan, with a tenure up to 20 years.
Raise working funds against a shop, office or godown, with rental income counted towards your eligibility.
A personal loan needs no security and no guarantor. That makes it fast, and it also makes it the most expensive form of retail credit, because the lender is taking the risk on your income and your credit score alone. It suits a genuine short-term need: a medical bill, a wedding, a home repair, or clearing several small high-cost debts into one EMI.
Personal Loan
Unsecured money for a genuine need, with no security and no guarantor, disbursed in as little as 48 hours.
An unsecured loan for business owners and professionals, assessed on your ITR and your banking.
A business loan funds the things that make a business bigger: more stock, a second location, a new hire, a large order you have won. Lenders look at your business vintage, your bank statements, your GST returns and your filed ITRs. Unsecured business loans are quicker but smaller. Secured ones are cheaper and larger. We will tell you which one your numbers actually support.
Business Loan
Working funds for a running business, with nothing pledged and a decision in about a week.
A larger, cheaper and longer business loan, backed by property, with tenure up to 15 years.
Working capital finance covers the gap every business lives with: you pay your supplier today and your customer pays you in sixty days. An overdraft (OD) or cash credit (CC) limit gives you a pool you can draw from and repay as cash comes in, and you pay interest only on the amount actually used, only for the days you use it. It is far cheaper than a term loan for a recurring cash-flow gap.
Working Capital / OD & CC Limit
A revolving limit against stock and receivables. Draw what you need, pay interest only on what you use.
An overdraft against property or deposits, for a service business that carries no stock.
A machinery loan funds plant, equipment, medical devices, printing presses, CNC machines or kitchen equipment, using the asset itself as security. Because the machine is the collateral, the rate is lower than an unsecured business loan and the tenure can match the working life of the machine. Many lenders will also fund the GST and installation cost.
Machinery & Equipment Loan
Finance new plant and equipment with the machine itself as security, over a tenure up to 7 years.
Funding for pre-owned and imported equipment, based on an independent valuation of the machine.
A new car loan funds up to 100% of the ex-showroom price with many lenders, and often the on-road price including insurance and registration for salaried applicants with a clean record. The car is hypothecated to the lender until the loan closes. Rates on new cars are among the lowest in retail lending, because a new car is easy to value and easy to sell.
Car Loan (New)
Up to 100% funding on the ex-showroom price, with tenure up to 7 years and one of the lowest retail rates.
A new car loan assessed on your ITR and business banking, with the car available in your firm's name.
A used car loan is judged on the car as much as on you. Lenders look at the model year, the kilometres run, the valuation report and whether the seller is a dealer or an individual. Funding is normally 70% to 85% of the valued price, and the rate sits above a new car loan because a used car loses value faster and is harder to resell. We know which lenders are comfortable with older cars.
Used Car Loan
Finance a certified pre-owned car from an organised dealer, with funding up to 85% of the valued price.
Buying directly from the owner? Financing is possible, and the ownership transfer needs handling with care.
A commercial vehicle loan funds trucks, tippers, buses, tempos and three-wheelers used to earn income. Lenders assess the route, the permit, the load contract and your existing fleet, not just your ITR, because the vehicle generates the money that repays the loan. First-time buyers can get funded too, usually with a higher margin and a guarantor.
Commercial Vehicle Loan
Finance a new truck, tipper, bus or tempo, assessed on the earning the vehicle will generate.
Finance a pre-owned truck or tempo, with the amount set by an independent valuation of the vehicle.
An education loan pays tuition, hostel, travel and equipment for study in India or abroad. The best feature is the moratorium: you pay nothing while the course runs plus six to twelve months after it, so repayment begins once the student is earning. Loans up to ₹7.5 lakh are usually given without collateral. Interest paid is fully deductible under Section 80E, with no upper limit, for eight years.
Education Loan
Fund a professional or postgraduate course in India, with no repayment until after the course ends.
Fund an overseas degree including tuition, living costs and travel, with a moratorium through the course.
A gold loan is the quickest secured loan in India. You pledge gold jewellery or coins, the lender values them and disburses the same day, often within an hour. No credit score is needed, because the gold is the security. The RBI caps the loan at 75% of the gold's value for banks. Repay and your gold comes back exactly as it was deposited.
Gold Loan
Pledge gold, take the money the same day, and repay principal and interest together at the end.
The same fast gold-backed funding, repaid in monthly instalments instead of one lump sum at the end.
A balance transfer moves your existing loan to a lender charging less. On a long home loan even a half-percent cut can save several lakh over the remaining term. A top-up adds fresh money on the same transfer, at the home loan rate rather than the personal loan rate. The catch is the switching cost: processing fee, legal and valuation charges. We show you the saving after those costs, not before.
Balance Transfer & Top-Up
Move your existing home loan to a lower rate. We show the saving after switching costs, not before.
Extra funds on your existing home loan, at close to home loan rates instead of personal loan rates.
Tell us what the money is for and what you earn. We will tell you which product fits, and which lenders are likely to approve you.
Lines are open Monday to Saturday. If we miss you, we call back the same day.